Common Insurance Questions and Answers
- Health Insurance

Q. Should I tell the insurance company everything in my medical history?

A. Yes, you must. Ideally, you could provide a copy of your medical history with your application.

Q. I want to make a claim. Can the insurer make me go to a doctor of its choice before it pays out?

A. Yes. The insurer is entitled to obtain specialist medical reports from independent medical professionals.

Q. My insurer is refusing to cover the full costs of my surgery. Are they entitled to do this?

A. Yes - if that's what your insurance policy says. Often a policy only covers a percentage of the costs, or will pay a fixed sum for a certain procedure.

Q. My insurance does not cover me for pre-existing conditions. What are the consequences of this?

A. The consequences are you will have to pay for the treatment yourself or rely on the public health services. There are different definitions for pre-existing conditions. Some policies define them as any condition you had before starting your insurance policy, even if you were not aware you had it. Others define them as condition you were aware of before starting your insurance policy. After time, some insurers cover defined pre-existing conditions as a loyalty bonus.